Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive and closed-world, so safety is covered. The description adds genuine context beyond that: it is a pre-flight introspection call whose output reflects current coverage and source state, which tells the agent the result can change over time and should precede other calls.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.